{"id":69287,"date":"2024-04-08T10:37:51","date_gmt":"2024-04-08T07:37:51","guid":{"rendered":"https:\/\/www.imobiliare.ro\/imoexpert\/?p=69287"},"modified":"2024-04-08T10:37:51","modified_gmt":"2024-04-08T07:37:51","slug":"imobiliare-ro-finance-piata-de-creditare-incepe-anul-in-forta-cele-mai-multe-credite-ipotecare-sunt-luate-de-barbati-dobanda-fixa-e-preferata-iar-avansul-creste","status":"publish","type":"post","link":"https:\/\/www.imobiliare.ro\/imoexpert\/imobiliare-ro-finance-piata-de-creditare-incepe-anul-in-forta-cele-mai-multe-credite-ipotecare-sunt-luate-de-barbati-dobanda-fixa-e-preferata-iar-avansul-creste_db\/","title":{"rendered":"Imobiliare.ro Finance: Pia\u021ba de creditare \u00eencepe anul \u00een for\u021b\u0103. Cele mai multe credite ipotecare sunt luate de b\u0103rba\u021bi, dob\u00e2nda fix\u0103 e preferat\u0103, iar avansul cre\u0219te"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"658\" src=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/04\/rambursare-anticipata-credit-1024x658.png\" alt=\"\" class=\"wp-image-69288\" srcset=\"https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/04\/rambursare-anticipata-credit-1024x658.png 1024w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/04\/rambursare-anticipata-credit-300x193.png 300w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/04\/rambursare-anticipata-credit-768x494.png 768w, https:\/\/www.imobiliare.ro\/imoexpert\/wp-content\/uploads\/2024\/04\/rambursare-anticipata-credit.png 1400w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><strong>Evolu\u021bia pie\u021bei de creditare \u00een primul trimestru al acestui an a fost una favorabil\u0103, marcat\u0103 de o continuare a interesului puternic pentru achizi\u021biile imobiliare v\u0103zut \u00eenc\u0103 de la sf\u00e2r\u0219itul lui 2023, dar \u0219i de oferte competitive de dob\u00e2nd\u0103 fix\u0103 venite din partea b\u0103ncilor. B\u0103rba\u021bii au solicitat cele mai multe \u00eemprumuturi pentru locuin\u021be, potrivit datelor interne centralizate de Imobiliare.ro Finance. Cele mai multe persoane care au f\u0103cut o achizi\u021bie cu credit ipotecar au avut v\u00e2rste cuprinse \u00eentre 31 \u0219i 40 de ani.<\/strong><\/p>\n\n\n\n<p>Anul a \u00eenceput \u00een for\u021b\u0103, doar \u00een perioada ianuarie-februarie 2024 creditele noi \u00een lei acordate gospod\u0103riilor popula\u021biei pentru locuin\u021be ating\u00e2nd pragul de <strong>6,8 miliarde de lei<\/strong> (1,3 miliarde euro) \u0219i <strong>dep\u0103\u0219ind considerabil nivelul \u00eenregistrat pe tot parcursul trimestrului I din 2023<\/strong>, de 5,2 miliarde de lei (1 miliard euro), potrivit raport\u0103rilor f\u0103cute de Banca Na\u021bional\u0103 a Rom\u00e2niei (BNR). Climatul favorabil de la nivelul pie\u021bei s-a putut observa \u0219i \u00een rezultatele <a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finance\/credite-ipotecare\">Imobiliare.ro Finance<\/a>, <strong>volumul creditelor acordate<\/strong> prin intermediul celor 200 de brokeri din re\u021beaua na\u021bional\u0103 fiind, \u00een primele trei luni, <strong>cu 83% mai mare<\/strong> fa\u021b\u0103 de intervalul corespunz\u0103tor din 2023.<\/p>\n\n\n\n<p>Revenirea apetitului rom\u00e2nilor pentru \u00eemprumuturi a \u00eenceput s\u0103 se fac\u0103 sim\u021bit\u0103 \u00eenc\u0103 de la finele lui 2023 c\u00e2nd, \u00een ultimele trei luni, <strong>volumul creditelor ipotecare \u00een lei acordate de b\u0103nci s-a dublat<\/strong> comparativ cu perioada similar\u0103 din 2022 \u0219i a ajuns la 10 miliarde de lei (2 miliarde de euro), conform datelor BNR. Condi\u021biile mai bune de la nivelul pie\u021bei i-au \u00eencurajat pe mul\u021bi nu doar s\u0103 fac\u0103 pasul c\u0103tre o achizi\u021bie, ci \u0219i s\u0103 apeleze la refinan\u021b\u0103ri. Anun\u021bul de majorare a cotei reduse de TVA pentru locuin\u021bele de p\u00e2n\u0103 \u00een 120.000 euro \u0219i-a adus, la r\u00e2ndul s\u0103u, aportul la acest rezultat.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<p>Iat\u0103, pe scurt, c\u00e2teva dintre <strong>principalele tendin\u021be identificate de speciali\u0219tii Imobiliare.ro Finance, la nivelul pie\u021bei de creditare<\/strong> la \u00eenceputul anului 2024:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>valoarea medie a unui credit ipotecar a ajuns la<strong> 66.000 de euro<\/strong>, iar rom\u00e2nii prefer\u0103 s\u0103 pl\u0103teasc\u0103 un <strong>avans mai mare de 15% <\/strong>atunci c\u00e2nd apeleaz\u0103 la finan\u021bare;<\/li>\n\n\n\n<li><strong>rata medie pl\u0103tit\u0103 <\/strong>la banc\u0103 este de <strong>400 euro\/lun\u0103<\/strong>, fiind egal\u0103 sau chiar mai mic\u0103 fa\u021b\u0103 de o <strong>chirie <\/strong>pentru un apartament cu 2 camere;<\/li>\n\n\n\n<li>c\u00e2nd aleg creditul potrivit cei mai mul\u021bi rom\u00e2ni opteaz\u0103 pentru un <strong>\u00eemprumut \u00een lei <\/strong>\u0219i pentru o <strong>dob\u00e2nd\u0103 fix\u0103<\/strong>;<\/li>\n\n\n\n<li><strong>b\u0103rba\u021bii sunt cei care solicit\u0103 \u00een num\u0103r mai mare<\/strong> un credit ipotecar, chiar dac\u0103 femeile sunt de cele mai multe ori cele care iau decizia final\u0103 de achizi\u021bie \u00een familie;<\/li>\n\n\n\n<li>mai bine de <strong>40% dintre cei care au luat un credit pentru locuin\u021b\u0103 <\/strong>\u00een prima parte a anului au v\u00e2rste cuprinse \u00eentre<strong> 31 \u0219i 40 de ani<\/strong>.<\/li>\n<\/ul>\n\n\n\n<p><strong><a class=\"article-body-links\"href=\"https:\/\/www.imobiliare.ro\/finance\/blog\/piata-de-creditare-incepe-anul-in-forta-cele-mai-multe-credite-ipotecare-sunt-luate-de-barbati-dobanda-fixa-e-preferata-iar-avansul-creste\" target=\"_blank\" rel=\"noreferrer noopener\">Cite\u0219te articolul integral AICI.<\/a><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Evolu\u021bia pie\u021bei de creditare \u00een primul trimestru al acestui an a fost una favorabil\u0103, marcat\u0103 de o continuare a interesului puternic pentru achizi\u021biile imobiliare v\u0103zut \u00eenc\u0103 de la sf\u00e2r\u0219itul lui 2023, dar \u0219i de oferte competitive de dob\u00e2nd\u0103 fix\u0103 venite din partea b\u0103ncilor. B\u0103rba\u021bii au solicitat cele mai multe \u00eemprumuturi pentru locuin\u021be, potrivit datelor interne [&hellip;]<\/p>\n","protected":false},"author":5891,"featured_media":69288,"comment_status":"open","ping_status":"open","sticky":true,"template":"","format":"standard","meta":{"footnotes":""},"categories":[259],"tags":[479,277,2190],"content_author":[],"class_list":{"0":"post-69287","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-stiri","8":"tag-banca","9":"tag-credit-ipotecar","10":"tag-imobiliare-ro-finance"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Imobiliare.ro Finance: Pia\u021ba de creditare \u00eencepe anul \u00een for\u021b\u0103. Cele mai multe credite ipotecare sunt luate de b\u0103rba\u021bi, dob\u00e2nda fix\u0103 e preferat\u0103, iar avansul cre\u0219te - \u0218tiri - ImoExpert<\/title>\n<meta name=\"description\" content=\"Evolu\u021bia pie\u021bei de creditare \u00een primul trimestru al acestui an a fost una favorabil\u0103, marcat\u0103 de o continuare a interesului puternic pentru achizi\u021biile\" \/>\n<meta name=\"robots\" content=\"index, follow\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.imobiliare.ro\/imoexpert\/imobiliare-ro-finance-piata-de-creditare-incepe-anul-in-forta-cele-mai-multe-credite-ipotecare-sunt-luate-de-barbati-dobanda-fixa-e-preferata-iar-avansul-creste_db\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Imobiliare.ro Finance: Pia\u021ba de creditare \u00eencepe anul \u00een for\u021b\u0103. 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